A. Christina Breen-Hale, Agent 3093 West Ridge Road, Rochester, NY 14626
achristina@breen-hale.com • www.breen-hale.com
585-225-8480
RE
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CA LO
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WHEN BUYING OR SELLING IT’S BETTER TO USE A
LOCAL PRO! see page 11 for your area’s PRO!
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Real Estate Rentals Seniors Home Improvement Rochester, New York • MARCH 15 - 29, 2017 • v 21.6 R1025838
Joshua Valletta Lic R.E. Salesperson
585-690-2633 cell 585-244-4444 office
cover home details on page 5
PERSONAL • PROFESSIONAL • LOCAL 2541 Monroe Avenue, 14618
www.PremiumMortgage.com
Equal Housing Lender | NMLS#3254 | Licensed Mortgage Banker NYSDFS
MEMBER
PrmMtg
241.0000
PrmMtg
PrmMtg
INSIDE
PENFIELD | $369,900 | 3,000 sq ft | 5 bdrms | 2.5 baths | Stunning 2015 built Colonial
PropertySourceOnline.com
Who Needs A Realtor? You Do! Denninger Report - pg 2
Property Source • v21.6 • March 15 - 29, 2017
The Denninger Report Should sellers sell their home by themselves? With all the listing opportunities on-line, why in the world would anyone use a Realtor? It’s easy to sell, just advertise and the buyers flock in! Right? Hmmm, sounds easy enough until looking deeper. Here’s what Realtor’s add to the transaction.
Access to over 90% of ALL home buyers. The National Association of Realtors (NAR) annually crunches numbers and watches market trends. Over the last twenty years almost all buyers work with Realtors, understanding what experienced Realtors bring to the transaction and most would never go it alone. So even if a seller decides to go the Fore Sale By Owner (FSBO) route, it’s a rare buyer without a Realtor. And, their compensation is included in the offer. Or, the buyer discounts the commission from their offer, paying their agent out of pocket at closing. Also, buyers agents represent the buyer only, leaving the seller at a disadvantage.
Time is money. 18% of FSBO homes didn’t sell in their anticipated time frame. The longer properties sit, the lower an eventual offer will be.
Enter the MLS# at PropertySourceOnline.com
Broker/Owner, Goodman Realty
Who Needs a Realtor? You Do!
Price. FSBO sellers are trying to save paying a commission. They hope to pocket the savings. They usually don’t. Yes, some get lucky especially in a hot market, but not often. Buyers always discount the commission off their offer price. Seller’s not expert in their market have no REAL idea what their house is worth. They can research but aren’t trained in the nuances of pricing a home. In 2016 according to NAR, FSBO’s on average sold for 16% less than Realtor represented properties. Assuming a commission is 6%, that means the seller lost 10%! And if a FSBO is sold to a friend or family member, the seller goes home with even less!
2
By GINI DENNINGER
If sold quickly with minimal promotion, the seller should wonder did they price too low, leaving money on the table? One Realtor was inspired to get into the business because as an investor he bought and sold over 100 homes using a Realtor. The one time he FSBO’d a property, he found the buyers sold it again a few months later for over $40,000 more than what they paid him, with little change to the property! He realized then Realtors provide benefit to their clients through experience and education. If determined to try selling themselves, FSBO sellers should invest in a full appraisal to be sure they price right, or at the very least pay a Realtor to research a Comparative Market Analysis for them.
sold, not realizing they could have gotten more! Add the buyers agent; a professional negotiator into the mix, who’s likely to get the better end of the deal?
Paperwork & Liability. How familiar is the seller with real estate contracts? If not at all, they have to rely on their attorney’s help, when being charged by the hour, this gets costly. So add on extra costs changes to contract accrue as changes are made through negotiations, to get the picture. Sellers have to disclose certain issues regarding their property. Do they know what has to be disclosed and not? Should they disclose if someone died? If they don’t disclose something that by law they should have, they might Negotiations. be on the hook for Often FSBO sellers much more than think negotiating they would have offers is easy, until paid if protected they do so. Unby using a Realaware of real estate tor. Sellers assume negotiation pitall liability on any falls, sellers usually mistakes made succumb to them. during the proNot thoroughly cess. For example, understanding if they advertise their market and wood floors, but not having access the floors are actuto the proper tools to research, sellers usually don’t recognize ally a composite with a thin veneer, guess fair offers or bad ones. There’s more to an who might have to pay for new floors after offer than money, terms are equally im- the buyer discovers the mistake. portant. Abrasive sellers make negotiations more difficult. Buyers become insulted by Inspections. their attitude, especially if the seller doesn’t What’s normal to be asked to for repair know when or where to give, and how to after an inspection? Sellers might agree to keep buyers on board. Experienced agents costly repairs that a Realtor could either keep negotiations together and advise their have eliminated completely or negotiated sellers accordingly. Or conversely, some sell- to split the cost. ers give the ranch away just to get the house
”In 2016 according to NAR, FSBO’s on average sold for 16% less than Realtor represented properties.”
Marketing & Qualified Buyers. Once marketed, is the seller available to screen calls? Show the property on the buyers schedule? Sellers working full time lose showings by not immediately booking showing requests. And yes, sellers think putting a sign up a few ads in the paper and on craigslist should do it. No, not really. Tire kickers might show up, but who else? Realtors don’t waste their time with unqualified buyers. They can vouch for who the buyers are since they have submitted identification and income information to their mortgage officer for their pre-approval letter. Expert list-agents also know what mortgages can be advantageous to getting a property sold. For example, some properties might qualify for no money down mortgages, a big selling point the average home owner has no clue about. If the seller has no clue how can they clue the buyer in? FSBO’s can now be listed in the MLS, through services that do this. When no commissions are offered, buyers usually hesitate to see the property if their agent is not joining them. Safety. What do FSBO sellers know of the people going through their home? Are they serious buyers or casing the joint? Or worse; yearly, Realtors are killed or seriously injured holding open houses or showing properties. Having a Realtor provides a buffer to the seller. Agents are trained to prevent problems that one time sellers have no idea exist. Selling a home as a FSBO works, but sellers should recognize the value added to the transaction by using a Realtor!
Goodman Realty
585-760-3880 GiniDRealEstate@gmail.com GoodmanRealtyProperties.com
Do you know the value of your home?
CALL ME!
I will conduct a free CMA of your property and give you my professional opinion as to what your home could sell for in today’s market.
585-760-3880 email: ginidrealestate@gmail.com
Property Taxes Too High? We have the solution for you.
We evaluate your assessment - if it qualifies we will work to lower it.
No Up-front Fee - We get paid only when you win! We are the Property Tax Solution Experts!
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Property Source • v21.6 • March 15 - 29, 2017
C
THE CANNAN TEAM of
RE/MAX Plus
Joyce Johnston
Listing Coordinator
Helping you find your way home.
TheCannanTeam.com Plus
4BR/2.5BA Contemp on 1.35 Private Lot!
o 279-8040
PropertySourceOnline.com/
Lic Assoc. R.E. Broker
Rochester
R1026273
o 279-8040
Jacquelyn Cannan Lic Assoc. R.E. Broker
COMING SOON
Macedon $275,000
o 279-8040
Horse Farm with Fantastic Barn/Stalls
Jacquelyn Cannan Lic Assoc. R.E. Broker
Enter the MLS# at PropertySourceOnline.com
4
o 279-8040
COMING SOON
Gorgeous setting and rare opportunity! Walk out finished lower level. Warm Sun room-opens to Great room. 1st flr office. 3 Car garage!
Caledonia $500,000
PropertySourceOnline.com/R1026273
o 279-8040
PropertySourceOnline.com/
4BR/2.5BA Col - 2.10 Wooded Secluded Lot
Riding rinks/fields; Running shed; land; tress; 2001 blt 3/4 bdrm Colonial with walk-out lower level. 15+ acres!
Lic Assoc. R.E. Broker
o 279-8040
PropertySourceOnline.com/
In-ground pool. 1st floor Master suite. Finished walk out lower level. Hardwood floors, cathedral ceilings, skylights! MANY updates! Rare find!
Webster
Jacquelyn Cannan
COMING SOON
LOG HOME - 2.85 Wooded Acres!
PropertySourceOnline.com/
Lic Assoc. R.E. Broker
Each office independently owned and operated.
Fairport
2BR/1.5BA Townhome in the heart of Park Ave. ALL redone inside and stunning! Woodburning frplc. Hardwood floors. New kitchen! Must see!
Jacquelyn Cannan
Lic. Assoc. R.E. Broker
Updated and move in ready! Fairport Electric! Family rm w/fireplace. Formal dining & living room! Huge bedrooms! Move in ready!
PARK AVE!
COMING SOON
PropertySourceOnline.com/
PropertySourceOnline.com/R1029269
Lic Assoc. R.E. Broker
4BR 2.5 BA 3000 sq ft. HFL schools. Built 1991. Deck -Great private lot.
Jacquelyn Cannan
o 279-8040
Jacquelyn Cannan
Jacquelyn Cannan
3BR/1.5 BA Colonial
Style: Split Level Sq Ft: 2079 – BD: 4 – BA: 3 – HBA: 0 Schools:
Contemporary Colonial on 1.53 Acres!
Mendon
2171 Monroe Avenue, Rochester, NY 14618
Lima $259,900
Hardwood floors. Morning room off kitchen. Stunning yard with Pergola & gardens. Master suite! Family rm w/ gas frplc. Gorgeous!
Lic Assoc. R.E. Broker
o:279-8040
Lots of Room - 2.51 Country Acres!
R1029269
Mendon $325,000
Jacquelyn Cannan
Nate Pope
Lic. R.E. Salesperson
Jacquelyn Cannan
o 279-8040
PropertySourceOnline.com/
Call us to get your house listed Lic Assoc. R.E. Broker
TODAY! 279-8040
40 gallon A.O. Smith water heater installed for as low as
The Property Source
$695!
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Bryan M. Patane (585) 545-8699
LEADERBOARD ADVERTISEMENT
Please email press releases to: info@propertysourceonline.com or call 585-458-0011. Publication not guaranteed. Better Homes and Gardens Real Estate Prosperity proudly welcomes Jennifer Habecker, Licensed Real Estate Salesperson. Jennifer can be reached at 315-879-9378 or visit her website: www. AtHomeWithJenn.com.
Habecker
Kim Barrett, Broker/Owner, Magellan®, Inc., congratulates Cindy Blair, Licensed Real Estate Agent for being named “Salesperson of the Month” and “Listing Agent of the Month” for February.
Joshua Valletta Lic. R.E. Salesperson NORCHAR
(585) 690-2633 cell (585) 244-4444 office PENFIELD: Stunning 2015 built Colonial home nestled in one of Penfield’s prestigious neighborhoods! This energy star rated home features a sprawling chef’s kitchen with full overlay glazed cabinetry, granite countertops, stainless steel appliances, walk-in pantry, and massive island, built in JBL speakers throughout. Splayed hardwood staircase with cast iron spindles in two story foyer. Double door entry to master bedroom with tray ceiling and his/her closets. Master bathroom with six foot deep tub, ceramic tile surround and granite vanity countertop. You’ll love this stone front home with a two car side load garage that is extended for additional storage. Basement features an egress window and has a roughed in bathroom. 50 year architectural roof and comes with a 10 year transferable home warranty! $369,900. Property Source #R1025838.
Kim Barrett, Broker/Owner, Magellan®, Inc., is please to announce that Colleen Wightman has joined Magellan® Inc. as a Licensed Real Estate Agent. Colleen has a broad background in business but her focus has always been on educating her staff and clients. Colleen is a Licensed Realtor ® in New York State. She is a member of Greater Rochester Association of REALTORS ®, a member of NYS Association of REALTORS ® and has obtained her certification in Real Estate Ethics and Fair Housing.
Blair
Wightman
Property Source • v21.6 • March 15 - 29, 2017
I n Th e News
Cove r H o m e
NORCHAR Real Estate welcomes Licensed Real Estate Salesperson, Nicholas “Nick” Garofoli. Nick can be reached at 609-516-9004 and by email at nick@norchar.com. Garofoli
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Buy with Confidence. Property Source • v21.6 • March 15 - 29, 2017
If you don’t like it, We’ll buy it back!*
Guaranteed A Howard Hanna exclusive program.
FOR MORE INFORMATION, CALL A NOTHNAGLE AGENT TODAY OR 899-MOVE. *Certain restrictions apply. Prior sales excluded.
R1026502 Charming Vinyl Sided Colonial with WBFP OPEN SUNDAY 3/19 FROM 1-3PM
Gates $144,900
Style: Colonial Sq Ft: 1371 – BD: 3 – BA: 1 – HBA: 0 Schools: West Irondequoit TEXT:PC17607TO: VIDEOS
Style: Split Level Sq Ft: 1864 – BD: 3 – BA: 1 – HBA: 1 Schools: Gates-Chili TEXT:PC20287TO: VIDEOS
Lic Assoc. R.E. Broker
Stunning 3BR Cape - Updated + Move-In Ready
R1029267
8658 Main Rd - Just Reduced! R1027121 OPEN SUNDAY 3/19 FROM 1-3PM
c 820-2242
Tina Zwetsch
Nothnagle.com/R1029185
Lic R.E. Salesperson
R1019960
Great Location - Walk to UofR/Strong
Irondequoit $129,900
LeRoy $184,900
Rochester $84,900
Style: Cape Cod Sq Ft: 1335 – BD: 3 – BA: 1 – HBA: 0 Schools: West Irondequoit TEXT:PC20387TO: VIDEOS
Style: Ranch Sq Ft: 1472 – BD: 3 – BA: 2 – HBA: 0 Schools: East Irondequoit TEXT:PC18217TO: VIDEOS
Style: Ranch Sq Ft: 2327 – BD: 3 – BA: 1 – HBA: 1 Schools: LeRoy TEXT:PC18397TO: VIDEOS
Style: Ranch Sq Ft: 850 – BD: 3 – BA: 1 – HBA: 0 Schools: Rochester TEXT:PC20287TO: VIDEOS
Lic Assoc. R.E. Broker
c 748-6771
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Twelve Corners Classic Colonial!
R1029489
Catherine Bianchi Lic Assoc. R.E. Broker
c 748-6771
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Desirable East Ave
R1025190
Cenna Clements Lic. Assoc. R.E. Broker
c 233-9806
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Nothnagle.com/R1019960
Lic R.E. Salesperson
THE BEST OF BOTH WORLDS!
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Brighton $319,900
Rochester $159,900
Webster $172,900
Farmington $204,900
Style: 2 Story Sq Ft: 2956 – BD: 4 – BA: 3 – HBA: 1 Schools: Brighton TEXT:PC20527TO: VIDEOS
Style: Condo Sq Ft: 1060 – BD: 2 – BA: 2 – HBA: 0 Schools: Rochester TEXT:PC16557TO: VIDEOS
Style: Colonial Sq Ft: 1781 – BD: 4 – BA: 1 – HBA: 1 Schools: Webster TEXT:PC62167 TO: VIDEOS
Style: Tudor Sq Ft: 1944 – BD: 4 – BA: 2 – HBA: 1 Schools: Palmyra-Macedon TEXT:PC64967TO: VIDEOS
James “Bob” Blaine
Enter the MLS# at PropertySourceOnline.com
c 748-6771
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Irondequoit $139,900
Catherine Bianchi
Lic R.E. Salesperson
Beautifully Maintained Vinyl Sided Ranch!
R1027017
Tons of Updates Thru-Out
R1029185
Irondequoit $124,900
Catherine Bianchi
6
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o 389-4059
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Robert Kraft Lic R.E. Salesperson
c 749-1139
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Breezing Through... Don’t Fall for the Con Warm weather is here and so are the scam artists who prey on homeowners, especially the senior citizens. These rip off scammers, more commonly known as “drifters” usually go door to door offering a variety of home improvements and repairs from roof and chimney repair, gutter cleaning, driveway sealing, tree trimming, etc. They often say they can do the job at a really low price, as they have left over materials from another job. Many times, these scam artists are driving trucks with magnetic signs and out-of-state license plates, or operate out of store front offices that they can quickly move out of once they finish their scam or if they think local authorities have knowledge of them. The Better Contractors Bureau recommends that you do the following to protect yourself against these fly-by-night operators: Before you give permission to anyone to
do work on your home that you have not actually called and especially before you allow them into your home you should check them out with the Better Contractors Bureau, as to whom the owner of the company is their address and reputation. Ask for identification (Drivers license) and if they show you an out of state license then tell them that you are not interested. Be firm and do not allow them into your home, as most scam artists work in pairs and while one keeps you busy the other will search your house to steal valuables. Some even work with children and ask if their child can use your bathroom. NEVER FALL FOR THIS APPROACH!! Don’t fall for the high-pressure stories like “this offer is only good if you take it now” or “once we leave your street we won’t be able to give you such a bargain again”. If you have checked the contractor out
and do feel confident that they are truly a legitimate, local contractor and want to have them do the job for you then be sure to get everything in writing on a bona fide NYS contract required by law. In the contract it must state along with all the specifications, that you have 72 hours to change your mind and any money given as a down payment or draw must go into an escrow account. Never give a large down payment and never pay in cash no matter what they tell you or what discount they may offer you! Always pay by check, payable to the company name, not an individual! If you have a large project or repair that you feel will be expensive you should get at least 3 estimates from similar size companies, all in writing. Never allow a contractor that you have not called to go up on your roof to check the roof, chimney or gutters, as they sometimes
have been known to actually damage those items so that they can show they are in need of replacing or repairing. Make sure the contractor you finally decide on is properly insured with liability insurance and if he has employees on the job show proof of Workman’s Comp Insurance. Always try to use a Better Contractor Bureau member, as they are registered and you will have recourse if they don’t do a good job. Lastly, you should always go with the old saying, “you get what you pay for”. For more information call the Better Contractors Bureau at 338-3600 or check the web site at www.the-bcb.net
Better Contractors Bureau 585-338-3600 the-bcb.net
Introducing:
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FOR MORE INFORMATION, CALL A NOTHNAGLE AGENT TODAY OR 899-MOVE.
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www.nothnagle.com Move right in!
R1029964
THE SPRING MARKET HAS ARRIVED! Now Is A Great Time To Think About Buying Or Selling!
Rochester $164,900 Style: Colonial Sq Ft: 1386 – BD: 3 – BA: 1 – HBA: 1 Schools: Rochester TEXT:PC58587TO: VIDEOS Susan Ververs Lic Assoc. R.E. Broker
c 503-9032
Webster $149,900 Style: Cape Cod Sq Ft: 1512 – BD: 4 – BA: 2 – HBA: 0 Schools: Webster TEXT:PC61137TO: VIDEOS
Lic Assoc. R.E. Broker
More Sellers Are Listing Early, More Buyers Out There Ready To Buy!
Nothnagle.com/R1029964
Great Spaces Inside and Out! R1029968 OPEN SUNDAY 3/19 FROM 2:30-4:00PM
Susan Ververs
Warmer Weather = HOTTER Houses!
Property Source • v21.6 • March 15 - 29, 2017
o e d i V o T t x e T
c 503-9032
Nothnagle.com/R1029968
Please Call For An Experienced Market Analysis Of Your Home!
Susan Ververs
Licensed Associate Real Estate Broker 2016 GRAR Platinum Sales Master
C: 585.503.9032 | O: 585.389.4088 sververs@nothnagle.com R1030351 Own a Beautiful Piece of History - 1.7 Acres OPEN SUNDAY 3/19 FROM 2-4PM
New To Market
East Rochester
Perinton $175,000
Coming Soon
Style: Colonial Sq Ft: 1888 – BD: 3 – BA: 2 – HBA: 0 Schools: Fairport TEXT:PC65567TO: VIDEOS
Style: Ranch Sq Ft: 2139 – BD: 3 – BA: 2 – HBA: 0 Schools: East Rochester Brian McDonnell Lic R.E. Salesperson
c 750-8182
Nothnagle.com/
Pamela Ernst Lic R.E. Salesperson
c 729-4832
Nothnagle.com/R1030351
To Cut or Not to Cut... That’s a Good Question higher than normal and payment is asked for up front preferably by cash or by credit card that is processed immediately. Most times there is no contract and many times nothing is given in writing explaining what will be done and what will not be done. The scammer will tell the customer that they are a NYS Certified Arborist when all they are is a member of an arborist association. Consumers should be warned that when in danger they are the most vulnerable and should make sure they are dealing only with long established reputable tree service companies. If they have questions about trees they can also call a Tree Pathologist. Some times the small fly by night tree contractors are not insured, or if they are, they may only have liability insurance to cover landscaping and not tree cutting which is much more expensive. If an accident occurs while they’re doing tree work and they don’t carry liability insurance for tree work the homeowner could be liable for injury or dam-
ages to neighbors and their property and usually a homeowners policy will not cover the incident. Here are some helpful tips when in need of tree work: Never be pressured into signing a contract or work order only because the threat of danger may be imminent. Unless the tree has already fallen and caused damage to property, always get three estimates for the work. Never pay by cash and only make checks payable to a company name not to a personal individual. If asked to do so that should be a warning that the contractor is operating deceptively. If a contractor says they are a NYS Certified Arborist check to see that they are and not just a member of an arborist association. Make sure everything that is to be done is specified in writing, especially as to who will remove the tree limbs, stump and debris. Ask to see a copy of the contractor’s liability insurance certificate and check if they are insured as a tree contractor not just a landscaper. If in doubt call the insurance company
to verify it, as tree removal insurance is much more costly then landscaping insurance. If it is not an emergency situation check the contractor out with the Better Contractors Bureau at 338-3600.
Better Contractors Bureau 585-338-3600 the-bcb.net
Enter the MLS# at PropertySourceOnline.com
It seems lately we have been experiencing more violent storms then ever and with them much more property damage from trees falling. There are not many people that are experienced enough to know whether a tree is rotted or decayed and if it warrants being cut down or not. Carmen Santora, Executive Director of the BCB says, “because of the danger and fear of what falling trees can do to life and property, another scam is starting to develop. It starts with a concerned call from a homeowner to a tree and landscape company.” Most times after a storm the homeowner is worried and only calls one contractor for a price to trim or cut down dangerous trees. They are at a disadvantage and can be taken advantage of very easily, especially senior citizens. The way the scam works is the home owner is told the tree(s) in question are rotted, decayed and very dangerous and must be cut down immediately before they fall and causes damage or injury to themselves or their neighbors. Prices charged by the scam artists are usually
7
Property Source • v21.6 • March 15 - 29, 2017
t he
HOT
Providence Estates by HG Builders
Ann Marie Gasbarre
lis t
64 Parkridge Dr - Close to Everything! R1027602 OPEN SUNDAY 3/19 FROM 1-3PM
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585.746.6905 c Webster
starting $300s
c 746-6905
Ann Marie Gasbarre
Each office independently owned and operated
PropertySourceOnline.com
Lic Assoc. R.E. Broker
EVERYTHING YOU WANT & NEED! R1029532 OPEN SUNDAY 3/19 FROM 1-3PM
RARE RANCH UNIT AVAILABLE
R1026219
Pittsford $309,900
Perinton $104,900
Style: Colonial Sq Ft: 2236 – BD: 4 – BA: 2 – HBA: 1 Schools: Pittsford
Style: Ranch Sq Ft: 810 – BD: 2 – BA: 1 – HBA: 0 Schools: Fairport
Lic Assoc. R.E. Broker
Pittsford $222,999
Greece $81,900
Style: Colonial Sq Ft: 2310 – BD: 4 – BA: 2 – HBA: 1 Schools: Pittsford
Style: Condo Sq Ft: 1071 – BD: 2 – BA: 1 – HBA: 1 Schools: Greece
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Ann Marie Gasbarre
c 746-6905
PropertySourceOnline.com/R1029532
c 746-6905
Ann Marie Gasbarre
PropertySourceOnline.com/R1026219
Lic Assoc. R.E. Broker
241 Pemberton Rd OPEN SUNDAY 3/19 FROM 12:30-2PM
o 230-5370
William Pieper
PropertySourceOnline.com/R1027602
Lic R.E. Broker
Just Listed - 1.1 Acres!
R1030265
Style: Colonial Sq Ft: 3043 – BD: 4 – BA: 2 – HBA: 1 Schools: Victor
c 317-5758
Lori McAlees
PropertySourceOnline.com/R1030265
Lic Assoc. R.E. Broker
R1025838
$ 122,900
Ontario
c 732-0428
PropertySourceOnline.com
c 732-0428
Carolyn Stiffler
Style: Colonial Sq Ft: 3000 – BD: 5 – BA: 2 – HBA: 1 Schools: Webster
Enter the MLS# at PropertySourceOnline.com
c 690-2633
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One of Penfield’s Prestigious neighborhoods!
Penfield $369,900
Lic. R.E. Salesperson
Coming Soon
Blt 2005 with New Brazilian flooring, great room, cath/ ceiling, 3 bedroom, 1.5 bath, gas fireplace, walkout basement, Central Air, 1/2 acre lot with waterfront to the pond, deck to relax by.
R
Joshua Valletta
Lori McAlees
6090 LillyPond Way OPEN SUNDAY 3/19 FROM 2-4PM
NEW NEW NEW, roof, kitchen cabinets, counters, stainless appliances, painted thru-out, newly refinished hardwood floors, new carpet, new vanities and new toilets, new furnace/AC/ h20,new storms windows and some new thermo windows, new interior and exterior doors new paint and new light fixtures.
Lic Assoc. R.E. Broker
Stunning & Meticulous...Inside & Out!
R1028120
Victor $374,900
R E A L
Carolyn Stiffler
PropertySourceOnline.com/R1031043
Broker/Owner
Style: Colonial Sq Ft: 3144 – BD: 4 – BA: 2 – HBA: 1 Schools: Victor
V RTUAL East Irondequoit
c 330-3301
Dexter Craig
Victor $389,900
Providing Enhanced Services to your Customers!
8
R1031043 3067 Mount Read Blvd - Well Maintained! OPEN SUNDAY 3/19 FROM 1-2PM
BUYING SELLING KITCHENS BATHS STAGING REMODELING
Move or Improve?
A Christina Breen-Hale, Agent 3093 West Ridge Road Rochester, NY 14626 Bus: 585-225-8480 Fax: 585-225-6315 achristina@breen-hale.com
Maximize your Investment.
Meet with Dani Polidor and her team of professionals at City Sense: Rochester’s only Design & Real Estate Center. Where Real Estate Agents, Interior Designers, and Contractors come together. Relax at our City Sense Design Cafe, filled with art, unique furniture, and Miele appliances, while exploring ways to increase the value of your home with our team.
Real Estate Agents are hired to sell homes, NOT TAKE PHOTOS. Let us show and help you get top dollar for your clients!
Discover why over 17 million homeowners trust State Farm®.
With your new home comes new responsibilities – like protecting your new investment with the right amount of homeowners insurance. That’s where I can help. Like a good neighbor, State Farm is there.® CALL ME TODAY.
Daniela “Dani” Polidor
Licensed Real Estate Agent Interior Designer
585.474.5677 127 East Avenue | Rochester | Between RoCo and Moe’s 585.348.7305 | citysenseroc@gmail.com | citysenseroc.com
0907507.1
State Farm Fire and Casualty Company, State Farm General Insurance Company, Bloomington, IL
Ask The Engineer
By TOM WURZER, P.E.
Managing Partner, Warren Engineering
staying compliant with the codes
In some parts of the country it is rare to even have a basement. In our region, most homes have basements and many are of considerable size. No matter how many single-story “ranch-style” homes you enter, it’s always amazing how big the basement is. With so much basement space at our disposal, it makes sense to try and use it as additional living space. Using basements as living or utility space is nothing new. Many older homes from the 1800’s used a portion of the basement, which was cooler than other areas of the house, as a summer kitchen. Today’s basements are used as workshops, artist studios, and more. Over the years, building codes and standards for finished basements have developed to improve the safety of these spaces. Unless the house was designed with a walk-out basement, most basements that were finished before the 1980’s don’t have large windows or doors. Low ceiling heights in older finished basements could result in “head-knockers” as well. When finishing a basement today, homeowners should apply for a building permit with the local town building department and get the proper inspections and sign-offs when finishing the space. Most building de-
partments have a pamphlet or document for homeowners to clearly explain the requirements for finished basement living spaces. These requirements are basically the same requirements that apply to all living spaces, including on the main levels of the home. Although they can vary slightly from town to town, New York State residential codes dictate the minimum requirements for new, finished spaces. Some of the main requirements include: • Minimum ceiling height of 7', although beams, ducts or obstructions can project down to 6' 8". • Rooms with a floor area of at least 70 sq ft and at least 7' in length and width. • Natural ventilation of not less than 4% of the floor area or equivalent mechanical ventilation. • Smoke and carbon monoxide alarms (hard wired, with battery backup, and interconnected). • Insulated walls with moisture barrier. • Bottom sill plates for interior walls that are metal or pressure treated lumber. • Permanently installed heat sources (usually supply and return registers). • Emergency egress window or another second means of egress.
GRM Electric, Inc.
Obviously, some homes have basements that do not have adequate headroom to properly finish the space. Other basements are damp or wet and need improved drainage and waterproofing so the investment to finish the space isn’t wasted. The most talked about requirement for finished basements is the egress window or the second exit. If a room will be a bedroom (i.e. a sleeping room), then there must be a second means of exiting the room (and a means of allowing fire rescue) directly from the room. If a room will be an office, fitness room, or recreation room, the second means of egress can be through an adjoining room. Although a second stairway and exterior door can provide the necessary second means of egress, the path of egress cannot be through a garage. Egress windows and the exterior window wells can take many forms. However, some of the applicable standards include:
sill of the window is below the level of the adjacent grade. • Window wells with an area of 9 sq ft. At least 3' in each horizontal direction. • When the window well is deeper than 44", it must have a ladder or steps. • Window wells need proper drainage provisions. When purchasing a home that has a finished basement, it is good practice to check on whether or not the basement was finished with proper permits and approvals. If not, it makes sense to see what would be required to bring it up to modern standards. Many people choose to live with finished basements that are “pre-existing and noncompliant”. However, if the basement was finished more recently, without the correct permits and approvals, you could be opening yourself up to potential costs to finish the job correctly or to “un-finish” the space. Your real estate attorney can advise you on potential liabilities with non-compliant fin• Window “Clear Opening Area” of at ished basement spaces. least 5.7 sq ft. • “Clear Opening Height” of at least 24". • “Clear Opening Width” of at least 20". Warren Engineering 585-385-4766 • “Sill Height” of no more than 44" above engineers@warreninspect.com the basement floor warreninspect.com • Window wells are necessary when the
Property Source • v21.6 • March 15 - 29, 2017
Basement Living Space
Residential Electrical Specialist • • • • •
Generator Hookups Service Upgrades Home Inspection Repairs GFCI Outlets Ceiling Fans Installed
Call (585) 723-6506 for your FREE Quote Today! Monday-Friday: 8am-5pm & Saturday: 9am-1pm
$119
5 standard light
CIRCUIT BREAKER PANEL UPGRADES
starting at
$489
www.grmelectric.com
for details & restrictions
Helping customers enjoy their homes since 1965
21 Schoen Place, Pittsford, New York 14534
Tel: 585 - 586-5866 | Fax: 585-586-5893
Welcome to Victor Furniture at Schoen Place - one of Upstate New York’s only independent, full-service home furnishings and flooring retailer. Our success
Enter the MLS# at PropertySourceOnline.com
MOVE IN SPECIAL
9
Discover Real Estate | BHHSDiscover.com Property Source • v21.6 • March 15 - 29, 2017
Discover Real Estate Commercial!
R1015406
LOCATED right on the CORNER OF ROUTE 96 and ROUTE 21. Immediate area coverage: Canandaigua Lake, Bristol, Farmington, Victor, Pittsford, Clifton Springs, Phelps, Geneva, Palmyra, Macedon.
o 352-4896
Carol Ann Williams
PropertySourceOnline.com/R1015406
Lic R.E. Salesperson
New Listing!
R1029394
New Chili Office (585) 247-8250
R1021408
Manchester $650,000
2nd floor offers tenant income or owner occupied living space. Current owner gutted & renovated downstairs. Upstairs has been gutted & is awaiting remodel. Separate util. Many improvements since ‘13.
Elaine Flaherty Lic R.E. Salesperson
R1028079
o 352-4896
PropertySourceOnline.com/R1029394
New Listing!
R1028554
Seneca Falls
$209,000
o 381-7322
Timothy Spooner
PropertySourceOnline.com/R1028554
Lic R.E. Salesperson
New Listing!
Onnalee Youngman Lic R.E. Salesperson
o 381-7322
PropertySourceOnline.com/R1028079
Welcoming!
Manchester $89,500
Large shaded side and backyard with ample room for a garage or other possibilities. Perfect first time home buyer or investment property. Survey, and other inspections have been completed.
Timothy Spooner Lic R.E. Salesperson
o 381-7322
PropertySourceOnline.com/R1026636
High Traffic Area - Many Possibilities!
Enter the MLS# at PropertySourceOnline.com
4 large bedrooms, 3.5 baths, fireplaced family room private wooded back yard. Beautiful hardwood floors through out the 1st floor,the finished walk-out base man cave with fireplace. 5 private acres.
o 352-4896
Eva-lyn Murphy
Chili $1,500/mo
Will consider offers to include tear down and build to suit or rehab. Hear the sound of the waves off Lake Ontario. This could make a great vacation spot or year round dwelling.
Lic R.E. Salesperson
R1029032
3 bed 2 bath colonial! Large partially fenced yard. 2 car att gar. Laundry in basement. Bonus room upstairs that leads to rear deck for entertaining & addition large rm in basement.
o 381-7322
Onnalee Youngman
PropertySourceOnline.com/R1025083
Lic R.E. Salesperson
New Listing!
R1020953
Manchester $89,000
Lic R.E. Salesperson
o 381-7322
PropertySourceOnline.com/R1027578
Solid Home!
Geneva $79,900
Cape Cod w/ 2 car garage. An adjacent secondary lot is included. Paved driveway. Garage has stairs leading to the 2nd floor for storage and also has a mechanics pit in one bay for working on projects.
Timothy Spooner
New Listing!
R1027578
Irondequoit $45,000
Onnalee Youngman
PropertySourceOnline.com/R1027744
Lic R.E. Salesperson
New Listing!
R1025083
o 352-4896
Kenneth Dauphinee
PropertySourceOnline.com/R307672
Lic R.E. Salesperson
Contemporary!
Hamlin $384,900
Plenty of possibilities! Can be bought as a package with 1526 and 1530 Lyell Avenue.
All the World’s a Stage…
10
R1027744
Rochester $65,000
Home has 1st floor bedroom w/ adjoining bath. 2nd Floor Master with en-suite bath. Formal living room & dining room, family room w/ wood burning fireplace. 2+ garage with workshop. Finished basement.
R1026636
Beautiful custom built home, with open floor plan. Large Master suite , large master bath with new walk-in shower. Large deck overlooks the yard. Large dry walk-out basement is ready to be finished.
o 352-4896
PropertySourceOnline.com/R1021408
R307672
Mendon $269,900
This 4 bedroom split level home in Hilton. Home includes 1.5 baths, living room, laundry room w/ walkout, 2 car garage & more! Newly remodeled kitchen with updated mechanics and electric service.
Lic R.E. Salesperson
Commercial!
Lima $139,900
Parma $149,900
Marc Levandowski
Good to know.™
Spencerport (585) 352-4896 | Pittsford (585) 381-7322
Large double lot yard with ample room for a garage or other possibilities. Perfect first time home buyer or investment property. Currently rented. Block shed in fenced backyard as well.
o 381-7322
Timothy Spooner
PropertySourceOnline.com/R1029032
Lic R.E. Salesperson
o 381-7322
PropertySourceOnline.com/R1020953
By REBECCA COADY Interior Designer, Set the Stage
Set the Stage Open House Checklist Let’s not PANIC! Open Houses and showings are a necessity when you’re selling your house. Keep this checklist handy for a guide to getting it SOLD. It’s GO TIME!
Curb Appeal
• Park cars down the street and away from the driveway and front of the house in order to give buyers a clear picture of your home. • Remove any front lawn debris, toys, trash cans, pet debris, etc. • Garage doors should be down and the front door wide open. • Set up “Emotional Connection Points”
by preparing scenes a buyer can see • Quick vacuum high traffic areas themselves in: i.e. a bench with pillows • Fluff the couch pillows, place a throw or a bistro table set for a entertaining. strategically and organize coffee table. • Light a fire in fireplace if appropriate. • Turn on interior lights in china cabinets Interior and shelving. • Quickly go through home and pick • Set out dress towels in the bathrooms. up any extraneous items such as toys, • A quick brush of the toilets and put all clothes, magazines, etc. seats down. • Turn ON every light in the home and light candles (only in safe areas when • Fluff beds and pillows in all bedrooms. you know your Realtor will be around). • Keep music on low (use TV cable in order to keep uniform in every room) • Open all blinds and window coverings for maximum light (unless there are • Always have fresh flowers on hand privacy or view issues). during home selling months and place them through out home (particularly in • Spray and wipe kitchen and bathroom bathrooms and bedrooms). counters and check bathroom mirrors.
• Ideally have windows open but make sure the home is comfortable temperature. • All doors in house should be open as far as they can go EXCEPT closet doors (unless they are walk ins). • Set out “Emotional Connection Points” in each room; i.e. set out kitchen place settings, bed tray, and patio trays etc. • Remove any pet dishes, litter boxes, pet beds and/or crates completely. • Empty all trash (especially the kitchen).
Set the Stage
585-654-7633 rebecca@setthestagerochester.com www.setthestagerochester.com
RE
AL ESTATE
WHEN BUYING OR SELLING IT’S BETTER TO USE A
HAMLIN
BRIGHTON
PITTSFORD
PARMA
Craig Schneider
Jim “Mr. Reliable” Kibby
Irmgard Hahn
Toni Connors
585-333-2906 c
585-366-2217
585-352-8523
585-389-4011
Lic. Real Estate Broker
Lic. Associate Real Estate Broker
BRIGHTON
HENRIETTA
Mary Tubiolo
Lic. Real Estate Salesperson
585-737-5049 c
585-944-8695 c
BRIGHTON
Lic. Associate Real Estate Broker
PARK AVENUE
Craig Schneider
Bridget Volta
Lic. Associate Real Estate Broker
Lic. Real Estate Salesperson
Lic. Real Estate Broker
585-333-2906 c
RUSH / MENDON
Dennie O. Brooks Lic. Associate Real Estate Broker
585-389-1008 RUSH / MENDON
PENFIELD
HILTON
Grace Wang
Tracy Knight
Julie Burley
M. Theresa Downham
585-698-2028
585-755-2482 c
585-645-3683 c
585-797-9321 c
Lic. Associate Real Estate Broker
Lic. Real Estate Salesperson
Lic. Real Estate Salesperson
Lic. Real Estate Salesperson, SRES
RUSH / MENDON
PENFIELD
CANANDAIGUA
HILTON
Dennie O. Brooks
Susan Marciano
Marcia Glenn
Yelena Martin
585-389-1008
585-500-9019 c
585-248-1064
585-737-6833 c
Lic. Real Estate Salesperson
Lic. Associate Real Estate Broker
HONEOYE FALLS
CANANDAIGUA
Lic. Associate Real Estate Broker
Lic. Associate Real Estate Broker
SWEDEN
PENFIELD
Brittany Stasko
M. Theresa Downham
Lori A. Mason
Brenda G. Swanger
315-420-6070 c
585-797-9321 c
585-248-1073
585-431-4128
Lic. Real Estate Salesperson, SRES
Lic. Real Estate Salesperson
CHILI
IRONDEQUOIT
Lic. Real Estate Salesperson
Lic. Real Estate Salesperson
VICTOR
PERINTON
Robert K. Malone
Nancy Semal
Eric Martin
Toni Connors
585-733-7729 c
585-279-8128
585-261-7172 c
585-389-4011
Lic. Associate Real Estate Broker
Lic. Associate Real Estate Broker
Lic. Real Estate Salesperson
IRONDEQUOIT
FAIRPORT
Lic. Associate Real Estate Broker
PERINTON
WEBSTER
Michael McPherson
Catherine Bianchi
Toni Connors
Andrea M. Noto-Siderakis
585-230-8901 c
585-748-6771 c
585-389-4011
585-315-7317 c
Lic. Associate Real Estate Broker
Lic. Real Estate Salesperson
FAIRPORT
IRONDEQUOIT
Lic. Associate Real Estate Broker
Lic. Real Estate Salesperson Notary Public
WEBSTER
PITTSFORD
Toni Connors
Brandi Vullo
Craig Schneider
Rose Gabriele
585-389-4011
585-694-0293 c
585-333-2906 c
585-749-7064 c
Lic. Real Estate Salesperson
Lic. Associate Real Estate Broker
NORTH WINTON VILLAGE
GANANDA
Lic. Real Estate Broker
Lic. Associate Real Estate Broker
WEBSTER
PITTSFORD
Michele Messmer
Patricia Claus
Nancy Vesling
Mary D’Angelo
585-472-5508 c
585-739-1603 c
585-738-6536 c
585-330-6279 c
Lic. Real Estate Salesperson
Lic. Real Estate Salesperson
OGDEN
GREECE
Sharon Quataert LIC. REAL ESTATE BROKER/OWNER
GREECE Lic. Real Estate Salesperson
585-352-8523 ARE YOU A LOCAL PRO?
Print & Web Packages Available call for details
585-458-0011
Susan Heater
585-352-8524
585-389-4070
585-520-0396 c
at PropertySourceOnline.com
Lic. Real Estate Salesperson
Lic. Real Estate Salesperson
WEBSTER
PITTSFORD
OGDEN
Mary Lobene Lic. Real Estate Salesperson
Amalie Carlin Raymond
David C. Malta
585-415-7337 c
585-217-1914 c
Lic. Real Estate Salesperson
585-352-8529 ONTARIO
Lic. Associate Real Estate Broker
WEBSTER
PITTSFORD
Mary D’Angelo
Grace Wang
Laurie Saffran
585-330-6279 c
585-698-2028
585-704-6013 c
Lic. Assoc. R.E. Broker CSP, CBR, CHDS
Each of our
For more Local PROs, visit the Local Info section
WEBSTER
PITTSFORD
Brian McDonnell
Lic. Associate Real Estate Broker
Lic. Real Estate Salesperson
SENIOR PROs
have earned their SRES Certification (Senior Real Estate Specialist) SENIOR SPECIALIST M. Theresa Downham
SENIOR SPECIALIST Michael O’Connor
SENIOR SPECIALIST Carolyn Stiffler
585-797-9321 c
585-415-2176 c
585-732-0428 c
Lic. Real Estate Salesperson, SRES
Lic. Associate Real Estate Broker, SRES
Lic. Associate Real Estate Broker, SRES
PROPERTYSOURCEONLINE.COM
Enter the MLS# at PropertySourceOnline.com
Irmgard Hahn
Lic. Assoc. RE Broker CSP, CBR, CHDS
Janet Campbell Lic. Associate Real Estate Broker
Lic. Real Estate Broker
585-362-8999
Lic. Associate Real Estate Broker
Property Source • v21.6 • March 15 - 29, 2017
LOCAL PRO!
CAL PRO LO
AGENT DIRECTORY
11
R1022884 THIS IS IT - GREAT STAY-CATION HOME! OPEN SUNDAY 3/19 FROM 1-3PM
Gates $164,900
East Rochester
Personal home of the sub-div developer, Offers fenced back yard w/lg pool, screened porch, full BA,1st Flr lndry, 2nd level w/4Lg BR’s, MBR, Oversized 4c gar, Roof 7yrs old. Many updates Dennis Shew Lic Assoc. R.E. Broker
R1008891
c 613-1600
PropertySourceOnline.com/R1022884
UNBELIEVEABLE 12.88 ACRE PARCEL!
Dennis Shew Lic Assoc. R.E. Broker
R1015377
R1016989
c 451-0140
PropertySourceOnline.com/R1008891
3BR RANCH
Sam Morreale Lic R.E. Salesperson
R1023904
c 451-0140
PropertySourceOnline.com/R1016989
3BR,1.5BA Center Split
c 451-0140
PropertySourceOnline.com/R1015377
2 FAMILY!
Jennifer Habecker Lic R.E. Salesperson
Lic R.E. Salesperson
c 451-0140
PropertySourceOnline.com/R1023904
c (315) 879-9378
PropertySourceOnline.com/R1027123
PRICE SLASHED R1023924 OPEN SUNDAY 3/19 FROM 1-3PM
3 BR, 1 BA ranch. 19’x27’ kit / great room is a perfect entertainment space with hardwood floors reclaimed from an old church. Newer furnace (2012), newer roof (2008). Jennifer Habecker Lic R.E. Salesperson
R1028796
Lic R.E. Salesperson
R1028206
c 451-0140
PropertySourceOnline.com/R1023924
Lic R.E. Salesperson
JUST LISTED - 3BR, 2BA Split is IMMACULATE!
Fenced yard, patio, rear mud room, FR w/wet bar & beamed ceiling, gleaming hrdwds, nice kitchen appliances, re-roof in 2016, H2O tank in 2015, tilt-out thermopane windows & PRIDE OF OWNERSHIP! Sam Morreale Lic R.E. Salesperson
c 451-0140
PropertySourceOnline.com/R1028796
RARE OPPORTUNITY - 5BR, 2.5BA Col
R1030742 MAPLEWOOD Cul-De-Sac - Great Location - Great Price
Rochester $79,900
Rochester $49,900
GREAT for a large or extended family! Updated mechanics, hard wired smoke alarms, 2nd flr lndry, maintenance free tin roof, remodeled main BA, handy 1st floor den, and MOVE-IN CONDITION! Sam Morreale
c (315) 879-9378
PropertySourceOnline.com/R1027678
Irondequoit $94,900
Extremely well cared for! Level 1/2 acre lot, att gar, FR, pristine hrdwds under carpet, “L” shaped bsmt rec rm. High eff furnace & C/A, tear-off roof, deck & patio, 2 sheds. IMMEDIATE AVAILABILITY!!! Sam Morreale
Quiet Country Setting
Walworth $100,000
Parma $119,900
Maplewood - 2-Family Home! Lower Unit Has Been Remodeled & Is Being Kept Empty For An Owner-Occ Buyer. Includes:New T/O Roof,Current CofO, 2c Det Gar, Upper Tenant Has Renewed Lease For 1yr @ $700/Mo Sam Morreale
R1027678
New kit w/solid surface counters, ample cupboards & built ins. Lg FR & formal DR. New over-sized patio in well manicured, fully fenced yard. Master on 1st floor with 3 add’l BRs.
Rochester $79,900
Stone front & Vinyl siding, BRAND new furn, Hrdwds,remodeled Bathroom, open Kitchen, Large breezeway/back screened porch, extra deep 1 car attached garage and a fully fenced yard!! Priced to Sell!
Lic R.E. Salesperson
c 613-1600
PropertySourceOnline.com/R1027136
Lots of Updates!
Marion $149,900
Located on a SPECTACULAR .62 ACRE, WOODED LOT! Includes front porch, side load gar, T/O roof ‘07, 1st flr office, kit & lndry appl’s. HE furn, C/A, 11 crs bsmt under #1, 13 crse bsmt under #2
Irondequoit $79,900
Sam Morreale
$115,000
Greece $139,900
Consists of 6 AC’s, farmland, 6AC’s of woods, and 1 AC of hydroponic greenhouses! Ideal for: organic brewery, bee keeping, farming, lettuce, gardening, etc. Owner will finance w/good down payment!
Lic R.E. Salesperson
R1027123
Large 3BR/1BA front unit! 1 boiler replaced & recently painted. Lg gar included in unit to rent - includes lg storage unit. Hrdwd flooring, carpet & Gumwood moldings. Less than 1/2 block to Park.
Penfield $299,900
Sam Morreale
Well Maintained 2 Family - Side/Side
R1027136
c 451-0140
PropertySourceOnline.com/R1028206
Lots of original charm with Hrdwd, gumwood molding & trim. Lg formal DR, lg eat in kit w/sliders to deck, great encl front porch. Over 1600sf and lg 2 car gar/workshop. Own this for UNDER $500/mo!!!! Sam Morreale Lic R.E. Salesperson
c 451-0140
PropertySourceOnline.com/R1030742
THE BEST If You Want to Be
YOU HAVE TO WORK WITH THE BEST
Join our Winning Team!
Now Hiring!
3 - FULL TIME REAL ESTATE AGENTS 1 - PART TIME REAL ESTATE AGENT Be in business for yourself, not by yourself.
389 Park Avenue Rochester, NY 14607 585-244-4444 www.norchar.com DiPiano SamSam DiPiano
BANAS BANAS Mortgage Mortgage
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Team Atmosphere Coaching Programs Park Ave. Location Daily Training Locally Owned Veteran Owned No Transaction Fees Full-Time Support Staff Morning Accountability
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Technology Driven Flexible Hours Virtual Lead Capture CMA Tool Kit Social Media Setup No Franchise Fees Fun Motivated Team Marketing Assistance Professional Email
389 Park Avenue Contact CRAIG SCHNEIDER @ (585)Rochester, 333-2906 NY 14607 for a confidential conversation to learn how 585-244-4444 www.norchar.com you can benefit from making the right move.
John “Ted” Sweeney PaulettePaulette Petix Petix John “Ted” Sweeney Melissa Powers Melissa DougPowers Vandetta
Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, Mortgage Consultant, NMLS #1223784 NMLS #1413349 NMLS NMLS #1413349 NMLS #22919NMLS #22919 NMLS #1223784 #589984 NMLS NMLS #57865#57865 c: 585-737-9273 c: 585-208-3036c: 585-455-3307 c: 585-455-3307c: 585-771-0138 c: 585-771-0138 c: 585-737-9273 c: 585-208-3036 c: 585-233-8439 o: 585-473-LOAN o: 585-473-LOAN o: ext. o: 585-473-LOAN ext. 104 ext.o:110 585-473-LOAN ext. 111 o: 585-473-LOAN o: 585-473-LOAN ext. 101 ext. 101 o: 585-473-LOAN o: 585-473-LOAN ext. 104 585-473-LOAN 110 ext. ext. 111 107 ppetix@banasmortgage.com jtsweeney@banasmortgage.com mpowers@banasmortgage.commpowers@banasmortgage.com dvandetta@banasmortgage.com sdipiano@banasmortgage.com sdipiano@banasmortgage.com ppetix@banasmortgage.com jtsweeney@banasmortgage.com Licensed Mortgage Broker NYS Department ofof Financial Services. arranged through third party providers. NMLS #1197462 Registered Mortgage Broker NYS Department Financial Services.Loans Loans arranged through third party providers. NMLS #1197462